180 ratings (170 Epinions reviews)
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    Highest Rated Consumer Review by the Community

  • Citibank: Good Customer Service from a Credit Card Giant

    Sep 22, 2005 by Bryan_Carey is a Top Reviewer on Epinions in Personal Finance
    Rated a Very Helpful Review
    Pros: Lots of services and incentives; Good customer service
    Cons: No rewards on this card; High interest rate if one payment is late

    Summary: Credit cards are issued by all the major banks in the United States and by the majority of smaller banks, too. This type of service is very profitable, so it’s no wonder that banks are so anxious to gain approval for the issuance of credit cards. One ... read more

  • $150 cashback "Thank You card" scam

    Jul 30, 2013 by
    Not yet rated.
    Pros: None.
    Cons: Dishonest; promises rewards they don't give; website nearly impossible to use; representatives contradict each other.

    Summary: The most recent scam from Citibank was offering $150 cashback if people took their "Thank You" card and put at least $1000 on it in the next 3 months. I put over $2000 on it, and it has been much less than three months. This gave me 17,050 ... read more

  • Terrible customer service.

    Jun 23, 2012 by
    Not yet rated.
    Pros: None!
    Cons: Lousy customer service. Impossible to use web site.

    Summary: Travelling overseas and card was rejected with no reason given. Since use of the card was part of our financial planning, this messed up our vacation completely. After wading through their terrible website, I finally sent a message outlining the problem. ... read more

  • Absolutely worst customer service of any credit card company

    Mar 12, 2012 by
    Rated a Helpful Review
    Pros: None
    Cons: The above.

    Summary: Rather than declining a transaction that goes over the balance, they let it go through (so they can make the additional money on the transaction) and then call you at least 5 times a day, several times a week, until you pay the part of the balance that ... read more

  • Not a serious card

    Nov 9, 2010 by
    Rated a Helpful Review
    Pros: Diamond Rewards Points - that's it.
    Cons: Frequent shut downs of card due to OVER-active fraud suspicions.

    Summary: I've been a Citicards customer for over 10 years and, for 8 of those years, Citicards has been a good card company.  The last two years, however, their policy with respect to early fraud warnings has changed to be overly-conservative.  As a ... read more

  • Do not apply if you EVER dispute a charge

    Jan 18, 2010 by
    Not yet rated.
    Pros: Decent rewards system although it requires you to request a check when you hit $50.
    Cons: There is NO consumer protections with this company. Buyer beware!

    Summary: Just went through five months of dispute with Citi over bad service at Denali Back Country Lodge. Citi denied because they do not consider disputes over bad service. Then what do they consider? Here are the details.I disputed a charge with Citi. ... read more

  • Terrible service

    Oct 23, 2009 by
    Not yet rated.
    Pros: none.
    Cons: They freeze you account and force you to call in.

    Summary: I have primarily had bad experiences with citibank. In fact, I can't think of any good experiences I had with them. Several years ago, I had booked a hotel through them, and although I only stayed at the hotel for one night, the hotel charged me for 2. ... read more

  • Most Frustrating Card Experience

    Sep 2, 2008 by
    Rated a Helpful Review
    Pros: promises
    Cons: customer service, requirements

    Summary: I have had two credit cards in my lifetime: BankofAmerica and Capitol One. Cap One has been the best to me, so far, in my small amount of card usage (seven years.) Bank of America I cancelled solely because they charged undisclosed fees when I used my ... read more

  • The only card I'll ever need

    Aug 2, 2008 by
    Rated a Helpful Review
    Pros: Customer Service. % and %+ cash back on regular purchases.
    Cons: If you carry a balance, the fees can get quite large.

    Summary: I've had many credit cards over the years, but this one has always given me the best service and options. I got it right out of college and it's been nothing but a smooth ride for twenty years. I carry other cards at the moment, but this is the only one ... read more

  • Do not do business with Citibank- they'll screw you somehow!

    May 21, 2008 by
    Rated a Helpful Review
    Pros: none
    Cons: high APR, poor customer service, won't work with you

    Summary: I've been a good-standing Citibank credit card customer since 2002. I opened my card as a college student, and at the time my interest rate was around 10%. It has since been raised a few times, with no given reason. Just got a notice in the mail that ... read more

  • Citicard & S. Larson

    Apr 30, 2008 by
    Not yet rated.
    Pros: American Airlines awards
    Cons: The right hand doesn't know what the left hand is doing.

    Summary: This is a letter that I wrote to S. Larson: Dear Mr/Mrs S. Larson, I was quite bereft having read your break-up letter to me. After all, we’ve had a relationship for nearly twenty years. Admittedly, I too have been seeing the folks over ... read more

  • One of the worst cards around!

    Apr 23, 2008 by
    Rated a Helpful Review
    Pros: I can't think of any. Really. They are awful.
    Cons: Late fees that are huge!

    Summary: Citibank is terrible. They don't have an auto-pay option for their cards and that can result in late fees if you have a busy lifestyle (as I do). The minimum fee I have been charged for being late was $39. Hello usury. Now take a guess at how late I was? ... read more

  • Nice Cash Rebates, Poor Customer Service...

    Oct 24, 2007 by
    Rated a Very Helpful Review
    Pros: Widely accepted, nice online account access, cash rewards
    Cons: Very poor customer service, time-consuming dispute process where the burden is placed on the customer

    Summary: This review is based on my experiences with the Citibank Platinum Mastercard Cash Reward card. I initially signed up for this credit card since I needed a MC/Visa card since many places don't take American Express. I've now had the card for over 3 ... read more

  • Citibank treats its cardholders like parolees

    Jun 21, 2007 by
    Rated a Very Helpful Review
    Pros: Online account management (when you're not locked out of it for "security threats") is good
    Cons: They treat their customers like idiots; they're more concerned with fraud protection than functionality

    Summary: Citibank’s marketing their “early warning fraud alerts” as if they’re making our lives better by blocking transactions on our credit cards is insulting to its customers. I’ve been at a gas station, with no cell phone, at 3a.m. with a sleeping baby in ... read more

  • Not Happy with CitiBank

    Feb 20, 2007 by
    Rated a Helpful Review
    Pros: I guess the rewards program
    Cons: Customer service

    Summary: I have had my Citi credit card for 4 years now, and never had a problem until recently. They were charging me $20 a month for the Credit Protector program, when I had called 3 times telling them to take it off my account. Well, last month this $20 put me ... read more

  • CitiBank policies create unpleasant surprises ...

    Sep 3, 2006 by
    Rated a Very Helpful Review
    Pros: Good interface with Quicken.
    Cons: Disloyalty to good customers.

    Summary: After 15 years with a Visa CitiCard with no late payments ever, I received an unpleasant surprise when a purchase at the grocery store was refused. When I called the customer service I was told that I had exceeded my credit limit. I pointed out that my ... read more

  • Sometimes, credit is a good thing...

    Sep 1, 2006 by
    Rated a Very Helpful Review
    Pros: Fair APR's, no annual fees, low-rate balance transfer offers, rewards programs, friendly customer service.
    Cons: Must abide by their repayment terms or they will raise rates and charge fees.

    Summary: I have had an account with Citibank since 1996 and they have proven themselves as very fair-minded creditors. I would suggest that if you really don't need a credit card, then don't apply for one. However, if you do need one to build your credit or for ... read more

  • Really bad customer service experience. Goodbye Citibank!

    Apr 17, 2006 by
    Rated a Very Helpful Review
    Pros: Big (known) name
    Cons: Bad customer service, too much solicitation by mail for additional accounts

    Summary: I haven't had any problems previously with Citibank, until this one. I had a billing issue (I attempted to pay off my balance in full then received a bill the next month for finance charges, I paid that and then received a .50 bill the next month) and ... read more

  • Big rebates for gas and groceries

    Feb 14, 2006 by
    Rated a Very Helpful Review
    Pros: Large cash rebates, flexible website, virtual account numbers.
    Cons: $300 annual limit on cash rebates, quirky Autopay system, poor website integration.

    Summary: When it comes to getting a Citibank credit card, keep in mind that not all cards are equal. There are a variety of cards with different terms and conditions. My particular card is the Citibank Dividend Platinum Select. This card has no annual fee, ... read more

  • Citi Platinum Dividends

    Dec 25, 2005 by
    Rated a Very Helpful Review
    Pros: great cash back reward program
    Cons: zilch

    Summary: After reading some of these reviews which state that they have no rewards, I am a bit confused because my Citi Platinum Dividends cards seems to have plenty of them. Are we all talking about the same card?? Anyway, read my review and then judge for ... read more

  • Citi Dividend Platinum Select Card - (still) making me money $$$$

    Nov 13, 2005 by
    Rated a Very Helpful Review
    Pros: Dividends are CASH. Customer Service has been very helpful. Full-service Website.
    Cons: $300 annual limit on earnings. Delays in online bill paying are frustrating.

    Summary: I only use dividend Credit Cards and as of 1/1/08 still Citi Bank's Dividend MasterCard earns me that money the fastest. With 5% earnings on all Gasoline, Grocery, and Drug Store purchases -- and 1% on all other purchases -- this card adds up the ... read more

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